Hello, and thanks to all over this journey.
I am now at only about 20k left, from over six figures of debt around I think FEB 2019. Worked myself to the bone lost over 30lbs, went from 220 down to 185 had some very bad medical issues, went without eating sometimes but as I promised myself and everyone else that doubted me, I would/will finish this.
I currently have about 20k left to payoff but over the last couple yrs I started putting money to the side in case something should happen to me, especially after reading everyones post plus having my own issues, but I put money to side in investing (Reits,Crypto,Stocks..etc) plus managed to leverage my cash to flip some cars to pay this debt off faster. That said should anything happen to me even temporarily, I have managed to pay off over 90k, and put aside about 20k now at 30yrs old. So in theory or on paper I am already debt free. Assets-Liablities. But I am dicisplined, I put this money away only for a true emergency. I was down to 35 cents in the bank at one point. I swear I pick pennies up now when I see them. I as stated before will still be done with this by Dec 31 2021 and have a bit saved up. Just under 3 yrs to come out of 112k of debt. Nothings impposible.
I still find time to volunteer at my local food bank on my off time, as I strongly believe karma and giving back as I was a child of group homes/Juvenile detention Social Services and donate to ST. Judes.
"Start by doing what's necessary; then do what's possible; and suddenly you are doing the impossible". St. Francis of Assisi
I never give up, and had to prove this most importantly to myself, but has felt even better getting a lot of support on here, which is a very underestimated tool, I know everyone thought I was stupid attempting this over a couple yrs ago, and told me to file Bankcruptcy. And believe me I felt like giving in so many times, its very overwhelming at times, but it gets better day/week/month/yr at a time. I am not here to give any expert finacial help or advice, but only to share my story, and possibly help anyone else out.
My final update will come soon I hope.
when I am completely debt free from this black hole and living again, as normal as I can. Again I will post if anyone wants to see my time frames and an in depth scale (all side hustles/current job) sacrafices of what I did to get out of this unbearable state.
Thank you to everyone on this platform, the only place I have posted this insufferable journey, for everyone to know my struggle, and I got the bad and good, from multiple perspectives but whether positve or negative gave me the courage and fortitude to take on this oppressive voyage.
